Discover it Secured Credit Card Review
Discover · Building credit while earning real rewards
4.6 / 5 (4321 reviews)
Annual Fee
No annual fee
Rewards
2% gas & dining, 1% everything else + Cashback Match first year
Regular APR
28.24%
Credit Needed
Poor (300-579)
Our Expert Verdict
10/10
Editor's Score
The best secured credit card by a wide margin — and the only secured card that earns meaningful cash back rewards. Most secured cards offer nothing; Discover gives you 2% on gas and dining with Cashback Match doubling it all year one. Automatic review for upgrade to unsecured after 7 months means your deposit is returned faster than most.
Pros
- Only major secured card with cashback rewards
- Cashback Match first year
- No annual fee
- No late fee first time
- Auto-upgrade reviews at 7 months
Cons
- Requires security deposit
- High APR
- Discover less accepted internationally
Sign-Up Bonus
Cashback Match — all cash back earned in year 1 doubled
Key Benefits & Perks
No annual fee
Earns real cash back (unique for secured cards)
Cashback Match first year
Automatic unsecured card reviews at 7 months
No late fee on first missed payment
Reports to all 3 bureaus
Rewards Breakdown
| Category | Rate |
|---|---|
| Gas Stations | 2% |
| Dining | 2% |
| Everything else | 1% |
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